[Hiring] Senior Credit Products Analyst @Flagstar Bank

Role Description

The Senior Commercial Credit Analyst is a highly experienced credit professional responsible for complex financial analysis, portfolio monitoring, and risk assessment. This role partners closely with Credit Products Specialists, Relationship Managers, and senior leadership to evaluate loan opportunities, recommend risk mitigations, and drive credit policy improvements. The Senior Analyst is expected to mentor junior analysts, lead due diligence efforts, and provide expertise on credit structuring for high-value commercial clients.

Qualifications

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
• 5+ Years in commercial credit analysis, underwriting, or risk management.
• Extensive experience with financial statement analysis, credit structuring, and portfolio management.
• Strong leadership and mentoring experience preferred.

Requirements

• Expert-Level Financial & Credit Analysis – Deep expertise in financial statement interpretation, cash flow analysis, and credit risk assessment for complex commercial lending relationships.
• Strategic Risk Management – Ability to evaluate macroeconomic and microeconomic trends, industry risks, and borrower financial health to anticipate and mitigate potential credit issues.
• Advanced Credit Structuring – Strong proficiency in structuring credit facilities, negotiating terms, and recommending risk-mitigating strategies.
• Decision-Making & Problem-Solving – Skilled at identifying credit concerns, proposing actionable solutions, and making sound recommendations to senior leadership.
• Stakeholder Engagement & Communication – Excellent verbal and written communication skills, with the ability to present complex financial data and recommendations to executives, credit committees, and external partners.
• Regulatory & Policy Expertise – In-depth understanding of commercial credit policies, regulatory requirements, and compliance standards.
• Technology & Data Utilization – Proficient in financial modeling, credit risk software, CRM systems, and advanced Excel functions (pivot tables, financial projections, data visualization).
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross-functional insights.
• Builds trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.
• Fosters or supports a positive work culture and productive work environment, displaying importance of effective relationships with customers and stakeholders.

Benefits

• Medical, dental, vision, life, and disability insurance.
• A comprehensive leave program.

Company Description

Flagstar is an Equal Opportunity Employer - Vets/Disabled. We are committed to providing clear and accurate compensation information in accordance with applicable laws. Actual starting base pay will be determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may also include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment.

Pay Range: $70,451.25 - $115,332.00